Merrill Burchell, Car Insurance Writer
@merrill_burchell
The twelve states that require PIP insurance, also known as personal injury protection, are Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. Of these states, 11 are “no-fault” states. Pennsylvania law requires drivers to purchase $5,000 in medical benefits, but does not mention PIP specifically. PIP coverage is also available, but optional, in seven additional states, plus the District of Columbia.
PIP States
State | PIP Policy | No-Fault State? | Minimum PIP Coverage |
Arkansas | Optional | No | $5,000 |
Delaware | Required | No | $15,000 per person, $30,000 per accident (plus $5,000 for funeral services) |
Florida | Required | Yes | $10,000 per person |
Hawaii | Required | Yes | $10,000 per person |
Kansas | Required | Yes | $4,500 per person (plus a $2,000 burial benefit or up to $10,000+ for care/lost wages) |
Kentucky | Optional | Yes | $10,000 per person, per accident |
Maine | MedPay Required | No | $2,000 per person* |
Maryland | Optional | No | $2,500 |
Massachusetts | Required | Yes | $8,000 per person, per accident |
Michigan | Required (drivers who receive Medicaid can opt out as of July 2020) | Yes | $50,000 per person |
Minnesota | Required | Yes | $40,000 per person, per accident |
New Jersey | Required | Yes | $15,000 per person, per accident (up to $250,000 for certain life-altering injuries) |
New York | Required | Yes | $50,000 per person (plus a $2,000 death benefit) |
North Dakota | Required | Yes | $30,000 per person |
Oregon | Required | No | $15,000 per person |
Pennsylvania | Medical Benefits Required | Yes | $5,000 per person, per accident |
South Dakota | Optional | No | No minimum coverage requirement |
Texas | Optional | No | $2,500 per person |
Utah | Required | Yes | $3,000 |
Virginia | Optional | No | $2,000 (plus up to $100/week for lost wages for up to 12 months, in some cases) |
Washington | Optional | No | $10,000 per accident |
Washington D.C. | Optional | No | $50,000 per person (plus $12,000 per person for lost wages and $4,000 for funeral expenses) |
PIP insurance covers medical expenses for you and your passengers after an accident, no matter who is at fault. These expenses include ambulance fees, medical and surgical treatments, and prescriptions. PIP can also reimburse you for lost wages, home care expenses, and even funeral expenses.
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